Lloyds TSB is to change the way it communicates its flexible benefits plan to increase take up.

The banking group will publish three brochures later this year, hoping to segment its 77,000 workers into different target groups to push take-up over 75%.

Group compensation and benefits director Paul Farley said this was done because it has a diverse range of salary earners. "It's not done purely on age. There is [however] a danger that two people sitting across from each other will get different [brochures] and wonder why they are different," he said.